General Liability Insurance
General Liability Insurance (GLI) is a fundamental form of business coverage that helps protect your company from claims that could otherwise devastate your finances or reputation. This policy acts as a financial shield when someone outside of your business whether a customer, vendor, or visitor experiences a loss allegedly caused by your operations or services.
Protect Your Assets with General Liability Insurance
At AutoRisk, we provide tailored insurance solutions that allow business owners to operate with peace of mind—knowing their assets and liabilities are covered by experts who understand the unique demands of the automotive industry.
States We Provide Insurance Coverage:
Colorado – California – Texas – Wyoming – Arizona – New Mexico – Utah – Kansas – Missouri – Oklahoma – Arkansas – Idaho – Iowa – Indiana – Nebraska – Nevada – North Dakota – South Dakota – Montana
Protect Your Business From Common Risks
Even the most careful shop can face accidents. A customer might slip in your service bay, or a test drive could lead to property damage. Without proper coverage, a single lawsuit or claim could have serious financial consequences. General Liability Insurance helps protect your business by covering:
Third-party bodily injury claims
Property damage caused by your operations
Legal defense costs
Medical payments
Personal and advertising injury
Who Needs General Liability Coverage?
General Liability Insurance is essential for nearly every business in the automotive sector, including:
Auto repair and body shops
Towing and recovery services
Car dealerships
Detailers and custom shops
Parts distributors and equipment suppliers
Why Choose AutoRisk
Don’t leave your coverage to chance, work with an expert who understands your operation.
What is Covered?
Our General Liability Insurance policy provides broad protection against a wide range of common risks, including:
Bodily Injury
If a customer slips and falls on your premises or is injured by your services or operations, you could be held liable. GLI helps pay for medical expenses, legal defense, and settlements or judgments.
Property Damage
Did a technician accidentally damage a customer’s vehicle or property while performing work? This coverage helps pay to repair or replace the damaged property.
Personal and Advertising Injury
This includes non-physical injuries such as libel, slander, copyright infringement, and misleading advertising—common pitfalls in today’s marketing-heavy world.
Legal Fees and Defense Costs
Even if you’re not at fault, legal battles are expensive. General Liability Insurance helps cover attorney fees, court costs, and settlements, giving you the resources to defend your business with confidence.
How Much Does General Liability Insurance Cost?
Pricing depends on factors like your industry, business size, annual revenue, location, and claims history.
At AutoRisk, we work hard to keep costs reasonable while maximizing your protection. We’ll help you compare options and understand exactly what you’re paying for—no surprises, no fluff.
Add-Ons and Bundles to Consider
General Liability Insurance is just one part of a complete risk management strategy. We can also bundle your GLI with:
Commercial Auto Insurance – Required if you drive vehicles for work
Garage Liability Insurance – For auto shops, dealers, and service stations
Product Liability Insurance – Especially important if you manufacture or distribute auto parts
Workers’ Compensation Insurance – Mandatory in most states if you have employees
Lessor’s Risk Insurance – If you rent out property to commercial tenants
By bundling multiple coverages, we can often reduce your overall premium while improving your protection across the board.
Benefits of Working With AutoRisk
Hundreds of Clients Nationwide | Fast and Responsive Advisors | Transparent Coverage with No Surprises
Custom Policy Design
We customize your coverage based on your business operations, risk exposure and geographic location with the goal of reducing your claims.
Industry Expertise
We specialize in automotive business risk management. Our team understands the automotive industry and delivers solutions to reduce claims and save money.
Competitive Pricing
We work with specialized underwriters and carriers to offer the most coverage for your dollar, helping you stay profitable while staying protected.
Claims Support That Works for You
In the unfortunate event of a loss, our subject matters experts will help you though the claims process, minimize downtime, and recover value efficiently.
Learn More About the Insurance Required to Protect your Business
Dealers Open Lot Insurance | Errors and Omissions | Garagekeepers | Garage Liability | Commercial Auto | Employee Liability | Property | Workers’ Compensation | Pollution Liability | Cyber Liability | Rental Insurance | On-Hook Towing | Cargo Towing | Vehicle Leasing | General Liability | Excess Liability
